No, actually that is pretty rare. Getting unlimited domestic and international ATM fees reimbursed is not the norm.

> specially after you are over an amount in account

But that's just the point you're missing. Schwab does it at $0, not $1,000,000.

> Usually also have the worse investing options

Eh? Are we talking about the same company here? Schwab has an enormous array of investing options, given that their main business is that of a brokerage.

> HSBC

Also eh? When did HSBC become remotely competitive in the brokerage space? (And isn't HSBC winding down their US operations?)